Risks of Thatched Roof Properties
Thatch house insurance is important in order to protect against a number of elements, and some insurers are unwilling to include thatched properties within a standard home insurance policy. From their perspective, they come with an increased risk. Some of the issues that can occur are:
Risk of Fire
This is a somewhat misleading ‘fact’ about thatched roofs. Whilst many people assume a thatched roof carries greater fire risk than standard roof coverings, although this is not necessarily the case. The facts are that thatched roofs will enable a fire to spread much more quickly, which is why protection is so important.
The cost of repairing a thatched roof can be expensive due to the fact that they are not as common as they once were, therefore companies who do have the knowledge to repair them can charge more. Insurance for thatched roof properties will help cover the costs of fixing your roof should it become damaged.
If you are not properly maintaining your thatched roof (it should be re-ridged every ten years) it could end up costing you a lot more. Your insurer will want to know that you are keeping up with this maintenance, and if you are it may help keep your thatched roof insurance cost at a minimum.
Nesting Birds, Bats and Rodents
To birds and rodents like mice or squirrels, a thatched roof is just one big new home. Nesting animals can compromise the structural integrity of the roof itself, as well as being unsanitary and potentially causing unseen long-term damage. Thatch insurance will help with repair costs, bringing your roof back to its best.
If you live in a listed building, which many thatched buildings are, then you may like to check our nonstandard property insurance page.